We understand the challenges facing the healthcare industry and we have a lending partner that has been actively financing healthcare businesses since 2000.With the dramatic increase in life expectancy and improvements in the delivery of healthcare services, healthcare professionals anticipate related increases in the number of patients accessing healthcare services. Today’s healthcare companies require a partner who understands the healthcare market and can help them capitalize on opportunities for diversification and growth as well as weather reimbursement and regulatory storms.Having underwritten hundreds of healthcare transactions since their inception, we are prepared to respond to the growing market. They have deep experience providing financial solutions to:

All types of healthcare service providers

Ancillary service organizations

Manufacturers and distributors of medical supplies and equipment

Real estate development and management companies

Financing Capabilities focusing primarily on transactions ranging from $1 million to $60 million. They have completed $340 million in committed transactions within the healthcare sector.Our strength lies in our ability to leverage a broad range of financing capabilities to provide solutions that are tailored to our customer’s needs:

Proven knowledge of the regulatory and reimbursement environment

Expertise in lending to all sizes of healthcare businesses across the country

Ability to provide short-term working capital and long-term real estate as well as equipment financing solutions

Customized Solutions with a focus on senior secured financing, we are able to support a broad range of transactions, including:

Refinance of existing indebtedness

Recapitalization

Leveraged buyouts

Turnarounds

We serve as a one-stop resource for healthcare and specialty finance debt capital with an unmatched product array, including:

Asset-based loans

First mortgage real estate loans

Equipment financing

Medical practice acquisitions, including veterinarians

Medical office building or office condo

Professional office building or office condo

Our lending partner's experienced team has originated well over $3 billion in small business loans.

Their financing capabilities include:

loans ranging in size from $250,000 to $15,000,000;

SBA 7(a) and 504 1st lien conventional loans anywhere in the U.S.;

higher LTV than traditional loan products; and,

lending to dozens of industries, including franchises, physicians, veterinarians, professional offices, and many more.

1. Has a woman's portrait ever appeared on U.S. paper money?Martha Washington is the only woman whose portrait has appeared on a U.S. currency note. It appeared on the face of the $1 Silver Certificate of 1886 and 1891 and the back of the $1 Silver Certificate of 1896.

2. In 2010, how many U.S. currency bills were delivered by the Bureau of Engraving and Printing?6,400,000,000 or 6.4 billion! This is about 1 bill for every person on the earth.3. What was the average cost of producing these bills in 2010?It cost 9.6 cents per note (or less than a dime each).4. How much ink was used per day to print bills at the Fort Worth, Texas and Washington D.C. facilities?It took 9 tons of ink or 18,000 pounds. This is approximately the weight of 6 average sized cars!Source: U.S. Treasury, Bureau of Engraving and Printing

For many new businesses, their first experience with cash flow is negative. Invoices have been sent out and payments are trickling in, not showing up or even going to collections. Cash flow is something that you can manage and control. It doesn't have to be some daunting task that you just can't get accomplished. When you take control, you can benefit from the power of positive cash flow. You’ll get paid quicker and more often which will help you pay your vendors on time and build a solid credit reputation for your business. With positive cash flow you can plan for your future and build a better business. There are many ways to improve your business cash flow such as factoring your accounts receivable, getting a cash advance on merchant processing and leasing equipment instead of purchasing. Let's take a deeper look at these three solutions.

What is Factoring?Factoring is the financial tool that speeds businesses' cash flow. To do this, factors purchase your credit-worthy accounts receivable at a small discount and convert your invoices (sales) into immediate cash. Partnering with a factor can relieve the problem that slow paying customers can create.

Factoring is not a loan. There is no debt repayment, no compromise to your balance sheet, no long-term agreements or delays associated with other methods of raising capital. Factoring allows you to use your own hard earned assets to create cash for the growth needs of your company.

Factoring differs from a bank loan in three main ways. First, the emphasis is on the value of the receivables, not the firm’s credit worthiness. Secondly, factoring is not a loan – it is the purchase of a financial asset (the receivable). Finally, a bank loan involves two parties whereas factoring involves three.

Factors often provide their clients four key services: information on the creditworthiness of their prospective customers domestic and international; maintain the history of payments by customers (i.e., accounts receivable ledger); daily management reports on collections; and, make the actual collection calls. The outsourced credit function both extends the small firms effective addressable marketplace and insulates it from the survival-threatening destructive impact of a bankruptcy or financial difficulty of a major customer. A second key service is the operation of the accounts receivable function. The services eliminate the need and cost for permanent skilled staff found within large firms. Although today even they are outsourcing such back-office functions. More importantly, the services insure the entrepreneurs and owners against a major source of a liquidity crises and their equity.

Who Qualifies for Merchant Cash Advances?Clients who can answer yes to the following questions may make good candidates for merchant cash advances.

Are you the owner of a small- to medium-sized retail, service or hospitality business?

Have you been in or owned the business for at least one year?

Does your business accept credit cards?

Can you provide processing statements for the previous six months?

Have you earned at least $2,500 per month in credit card sales during that time?

Because this form of financing isn't a loan, there are no monthly payment books and none of the hassles that can come with dealing with a traditional bank. The way it works is simple: The lender purchases a percentage of the business-owner's future credit card receipts and advances the future earnings to the business-owner upfront. For those merchants whose businesses need a quick injection of capital, this program offers an aggressive alternative to traditional bank lending.What are the Benefits of Leasing Equipment?

Equipment pays for itself. Customers find that leasing their equipment matches the expense of the equipment to the revenue it generates - over time and as the equipment is used.

Often no down payment is required. 100% financing is available, so you get the equipment desired without providing any upfront compensation.*

Guard against obsolescence. Obtain specialized equipment as soon as it becomes available, and use it at an affordable rate until the term ends at which point you can return the equipment or purchase for as little as $1.*

Terms are flexible. Arrange a term that is best suited for you, while completely avoiding floating interest rates.

Terms are customizable. You can renegotiate your existing lease payment term if you decide to add more equipment before the original term ends.

Tax benefits. Payments may be fully deductible. (Find out more from your tax accountant)

For more information on how to boost your cash flow and build your business contact steve@creativebusinessfinance.com or call (609) 534-0643. For more in depth information on cash advances for merchants click her for a published article written by the owner of Creative Business Finance. http://www.scotsmanguide.com/default.asp?ID=3204

*Disclaimer: CBF is a private capital intermediary, we use our resources to connect our clients with the best private lender or specialty finance company for their specific situation. CBF is not a law firm or accounting firm and doesn't provide tax and/or legal advice. Our address is 7830 W. Alameda Ave, Suite 103 #252 Lakewood, CO 80226.